Services
Homeowners Insurance
Protect Your Home. Preserve Your Peace of Mind.
Owning a home in Florida is a dream — but it comes with unique risks. From hurricanes to hail, wild weather to rising rebuild costs, your home deserves protection that actually fits where you live. At Venture Insurance Partners, we specialize in helping Florida homeowners get smart, personalized coverage — without the runaround.
What Does Florida Home Insurance Cover?
A standard Florida homeowners policy (HO-3) typically includes:
- Dwelling Coverage. Pays to rebuild or repair your home after covered perils like fire, hurricane, or vandalism.
- Other Structures. Covers detached garages, fences, sheds, and more.
- Personal Property. Replaces belongings like furniture, electronics, and clothing after a covered loss.
- Liability Coverage. Protects you if someone is injured on your property or if you accidentally damage someone else’s.
- Loss of Use (Additional Living Expenses). Pays for temporary housing if your home becomes uninhabitable.
What’s Not Covered?
- Flooding is NOT covered under standard home insurance in Florida — you need a separate flood policy
- Windstorm exclusions may apply in some coastal areas without special endorsements.
- Coverage gaps can occur without proper replacement cost and ordinance & law protection.
We review your policy line-by-line to make sure you’re not underinsured—or overpaying.
Why Choose Venture Insurance Partners?
- Florida Home Insurance Experts. We understand state-specific risks, carrier guidelines, and how to navigate a volatile market.
- Access to Multiple Carriers. We shop top-rated national and regional insurers to find you the best coverage and price.
- Help With Citizens & Private Markets. If you’re being dropped or placed into Citizens, we help you understand your options — and get back into the private market when possible.
- Claims Support That Fights For You. When the storm hits, we don’t disappear. We guide you through every step of your claim.
Hurricane Season Is Non-Negotiable
In Florida, it’s not if, but when. Our policies are built to handle:
- Windstorm & hurricane damage
- Water intrusion
- Loss of use after mandatory evacuation
- Roof replacement issues
- Code upgrade requirements after a major rebuild
We’ll make sure you’re not caught with a bare-bones policy that leaves you exposed when you need it most.
Who We Insure
- Primary & secondary homes
- Vacation rentals & Airbnbs
- Condos & townhomes
- Manufactured & mobile homes
- High-value coastal properties
- Homes with previous claims or nonrenewals
Want to Save? Ask Us About:
- Home + Auto Bundle Discounts
- Wind Mitigation Credits
- Roof Age Credits
- Security System Discounts
- Senior & Loyalty Discounts
We’ll make sure you’re getting every available savings opportunity under Florida’s current insurance laws.
Don’t Wait Until the Next Storm Is Named
At Venture Insurance Partners, we’re not just policy pushers — we’re local experts who care about protecting what you’ve built.
